I/we (ned and mrs. ned) are down to 6 cards and it still works, although the process is getting old. There is only one usable ATM (US Bank) where we live and it is often broken which then requires a long drive. It is not like the old days with the B of A program as well as various Credit Union programs. After having many cards in three different programs our miles total attributable to Visa Buxx has surpassed 600K so I am not complaining.